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To sell information product globally is one of the biggest dimensions to making money on the internet. In the past, the Problem has always been how do we download our hard earned dollars without having to break down our computers. According to Mr. Henry Omenogor, an expert in domain registration and epayment solutions, everybody is talking about internet business, marketing and selling of product globally right here in Nigeria, but how to receive your payment for these information products now becomes a huge problem.
Paypal which use to be a solution, have been messed up both directly and indirectly by Nigerians. It is so bad now that if you want to verify a Paypal account you can't use Graphcard or an address in the U.S as we use to do, you won't even be allowed access. Though as an expert in this area, I can still verify a Paypal account in one second. That's because I have a very strong key that I use for now.
Now lets get down to the other means ' we can you use to receive your money in ' Nigeria right now For people who would want to sell their goods globally, you need a metal account that is 2co.com; 2co is an abbreviation of 2check-out. There is nothing preventing Nigerians from using this account right now. You can also use plimus.com for this same purpose. Nigerians can use these two payment solutions to receive their foreign currency without having to go through the stress a lot of other payment solution providers make them go through and the good thing about this is that you can do it directly without needing a Nigerian payment agent.
You can also use these payment: option site; : 2check-out : and plimus.com to sell your software, and anything at all you want to sell globally. They are safe, and after sales it is easy to send your money from any of the two accounts to your own Payoneer account from where you can withdraw from your ATM.
There is a bridge system that is called Payoneer.com. With Payoneer.com you can receive your money through 2check out account. For example, if you have ' written an e-book and you intend to sell it online by putting it on the internet, you can , easily pick the money made from sales, assuming you don't have a Paypal account, from the Payoneer account. Now, with this Payoneer.com, you can withdraw your money from your Zenith bank account using your l0cal ATM card.
This process is global
Payoneer operation is a global ' operation that enables lot of people to cash their money 99 % of people that are still running internet business don't make money globally, they make money locally because of the limitations they are subjected to. They don't know how to say okay, let's sell our product in the global market, they don't know how to receive their money, but with this process in place that limitation is broken.
• How does this process work?
Payoneer is also a Mastercard for you to make payment on the internet. • Payoneer is the issuer. You can get that card, when you sign up with 2check-out, 2check-out will now give you an option of signing up with them and once they approve you, they will send you the physical card, it is an ATM card. You can pay 10 dollars only to have this card set up for you by the foreign issuer. You can go to Fastecash to generate your visa card or use Graphcard or you use your Mastercard from a Nigerian bank to get your own 2check-out account.
The money you are paying them is to process your card after which they will now send your card to your address.When you receive your card, you activate it by login in with the number they gave to you on their site. Once you have done that, as you are selling your product online, 2check-out sends your money into your Payoneer account after two weeks or they send you a cheque. Once they send your money into your Payoneer account; you can withdraw your money from any designated ATM in Nigeria.
• r Step-By-Step Guide To Starting A Transaction .
If you already have a MasterCard ,credit or debit card, visa card or graphcard e.g the mastercard issued by : GTB, though a debit card but it is still a MasterCard, but you need a domiciliary account with the bank. This means that you pay your money in the domiciliary account and then transfer it to your MasterCard account. Once you fund your MasterCard, you can now take your MasterCard to 2check-out for approval, this costs $49.99.
Crediting Your Account
After crediting the 2check-out merchant account, first you must understand that a merchant account is: Comparable to Interswitch in Nigeria, it allows you to fund transfer between two Individuals or organizations. You can receive your money from any credit or debit Card Company in the world with this process before buyers can download your product. Once you have done that, they would give you an option, to know or get your payoneer account or to receive your money direct to your bank account.
The payoneer account is better, but you are going to pay 10 dollars to get your payoneer account opened. Now, once’ you have done that, they need to approve you but it does not end there; I need to be honest with you. If you don't have a driver's license or international passport, you won't be approved. All you need is to scan the driver's license/international passport to them, you write them and instantly they prepare your card. Just like a master card, the registration process will require a driver's license number, expiry date, date of birth, then your name.
The card has a MasterCard status. If you are signing up with plimus.com, you don't need to pay a single dime to payoneer to carry out transactions.
How to receive your money after selling your product online or globally
Plimus and 2check-out are merchant accounts that will enable the processing of payment on your behalf when people, living in London or Chicago or even Norway want to buy your product with their credit card, since there are no Nigerian companies right now receiving payment for the Nigerian sellers online and other sources for receiving payment has been blocked. 2check-out and www.Plimus.com can be used for processing, such sales and payments and then transfer the money to you while at the same time giving access to buyers to download the product on sale, e.g. : e-book or any other product you are marketing. Even while you are sleeping, this transaction is going on. They take Commission for doing this.
The buying process
Payment solution providers put a code (button) on your site where you have product to sell, anybody that is buying will have to click this button and when they is click, it takes them from your site to the merchant site so that the buyer can make payment first. If the payment is allowed, the buyer is now redirected to where they can now download the product; mostly digital products. If the payment does not go through, the buyer won't have access to the hidden place where the digital product can be downloaded. With these easy processes in place, Nigerians can begin to sell their product globally.
Other payment methods
Using cheque, you can also use pay order or you can use cheque to also buy products. When using cheque, it has to go through secured mail and such cheque or money order will clear after about 5 days, and it must clear before access to download will be granted. Selling through cheque or Western Union has a lot of disadvantages; it is expensive, Nigerians cannot sell products through Western Union from here but we can receive Western Union and out there abroad, nobody is trusting Nigerians in terms of "if I send money to Tunji, Sule or Adama, will he or she deliver my goods?" They usually say 'No' to Nigerians when it comes to this. But the 2check-out we earlier discussed is an instant payment, in a minute you are seeing the result. You click here, the place is open for you to download the product and you start reading it and the seller gets his money deposited in his account.
So Nigerians can now sell their Information globally
Places where you can sell your products using 2check-out are plimus and e-junkie. E-junkie is like a shopping cart where you can pack all e-books and buyers can access them, once you pack them there with one store, anybody can buy them. E-junkie takes 5 dollar every month. If you want to sell 1-5 of your own book, they can take 10 dollar every month.
If you love buying things cheaper online, your greatest challenge could be credit card to use. The first time I ever got to shop online I had to pay through bank wire transfer and I paid over $60 in bank charges, even my seller insisted I must pay their own bank charges too, was about $17, while my bank demanded that I maintain minimum of $100 in the account, its own procedure for maintaining a domiciliary account with them. All that cost me extra $177. Now imagine if what I bought was just worth $25 – that means I had to expend $202 just to buy something of $25. It can be that bad.
But when I got a MasterCard, it took away all those expense and stress I had to go through. I didn’t tell you how I go to bank regularly to fill forms for my wire transfer. Sometimes it could take about 5 days before one transfer could be successful, while with my MasterCard I order now, pay now and my order is processed now and shipped to me. If it’s a domain name I buy for example, that means I will get it immediately. No delay, no stress, just that easy. Here is how I got mine, remember, several Nigerian banks now offer MasterCard. So, you can even check with your bank. I got mine from Zenith Bank and I think it’s about the easiest I have noticed. It took only 24hrs to activate and 48hrs before I started using the card, but I got the card the same day I applied at the bank.
These are the requirements:
1)Drivers license or international passport
2)Minimum of $120 dollars
3)Passport Photographs (optional) to go with it
4)Utility bill (Also optional)
5)Application number or the document issued to you when you first applied on the bank’s website.
Note if you already have an account with Zenith bank, then those requirements, passport photo and utility bill may not be required. Wait! Of what use is MasterCard if not to shop online. Here are the steps you should follow to get your own MasterCard.
S t e p 1:G o. t o www.zenithbank.comto apply for your own MasterCard. The Zenith MasterCard is known as the Web Surfer card.
Step 2: You will need your driver’s license or international passport number when applying online.
Step 3: After entering all the details online and submitted, the site would open a page that contains the Web Surfer reference account number.
Step 4: Print out this page. It’s advisable you print it out. But in case you have any challenge in doing so, quickly copy that number in order not to lose it. That number is what forms part of your Web Surfer account and you require it in serious cases.
Step 5: Change your naira to dollars at the nearest Bureau-de-change. You need a minimum of $120 to open the account. The bank will automatically take $20 as annual fee for the card while you have the balance of $100 for your shopping. However, if you have more dollars or your shopping plan is above $100, simply pay in all the money while opening the account. The bank changes extra $5 each time you want to reload the card.
Step 6: Take all the requirements to the nearest Zenith bank office near you and request to open a Web Surfer account. Note that some branches may not have the MasterCard plastic card available and may recommend you to another Zenith Bank branch. But if you are having any problem trying to open the account you can email; mail@fastwebsms.com The Company can help you obtain one at a fee.
Step 7: After processing and accepting your application Zenith Bank will issue you with a MasterCard instantly while the card might take up to 48 hour to be activated and you start shopping online. I hope the information is helpful to you. How to use your Zenith MasterCard: Now that you have a MasterCard, you will want to use on websites to buy goods. Yes, you can use it on any site where there is MasterCard logo. However, you may have some problems with some sites that don’t like credit cards from Nigeria. If you have any such case of your credit card purchase being rejected because you are from Nigeria, don’t worry. Simply write a letter to the owners of the website explaining to them that you are the owner of the MasterCard that was rejected. Show them proof like your driver’s license or international passport, and give details of the issuing bank and ask them to contact the bank for verification. Since the card is yours and it’s not stolen you can make your case with the company and they will quickly apologize and accept your payment. Note that the only reason they don’t accept credit cards from Nigeria is because they are afraid that it may have been stolen from someone else. But since it’s yours, let them know it’s yours.
